El piloto de prueba transfronteriza de Renminbi digital entre la China continental y Hong Kong avanza rápidamente

（来源：经济参考报）

Hong Kong’s Financial Services and the Treasury Bureau recently disclosed a set of data indicating that the number of digital renminbi wallets opened with Hong Kong mobile numbers has reached 80,000, and the number of local merchants accepting digital renminbi has surged from 300 to 5,200, a more than 16-fold increase in one year. The Secretary for Financial Services and the Treasury, Christopher Hui, also revealed that the People’s Bank of China and the Hong Kong Monetary Authority are exploring arrangements and feasibility for upgrading the digital currency wallet. Various signs indicate that the cross-border pilot of digital renminbi between the mainland and Hong Kong is rapidly advancing.

In 2024, the cross-border digital payment platform for digital renminbi (now upgraded to “DCEP Pass” cross-border services) will achieve interoperability with Hong Kong’s Faster Payment System (hereinafter referred to as “FPS”) and will be included in the “Three Connections, Three Conveniences” policy, supporting all Hong Kong residents to open wallets and use digital renminbi. This is the world’s first bilateral interoperability between a legal digital currency system and a payment system. Firstly, it supports Hong Kong users to open four types of personal digital renminbi wallets through the digital renminbi app in Hong Kong and pilot areas in the mainland, and supports online wallet upgrades using the Mainland Travel Permit for Hong Kong and Macao Residents. Secondly, it supports recharging digital renminbi wallets through Hong Kong local banks’ Hong Kong dollar accounts and completing online and offline retail consumption using “tap-to-pay,” barcode payments, wallet quick payments, and so on. Latest data shows that the number of Hong Kong local banks participating in the value-added digital renminbi wallets under “Faster Payment System” has increased to 18.

In fact, “DCEP Pass” (CBETS) is a new type of bilateral cross-border service launched by the International Operation Center of Digital Renminbi, guided by the Digital Currency Research Institute of the People’s Bank of China. It consists of the cross-border digital payment platform for digital renminbi and the digital renminbi blockchain service platform, supporting overseas participants to access the digital renminbi cross-border business gateway “one-point access,” providing 7×24 hours of intelligent digital payment services directly to both on-chain and off-chain business platforms.

Industry insiders state that the cross-border pilot of digital renminbi between the mainland and Hong Kong has validated the feasibility and robustness of the digital renminbi system in cross-border payment scenarios through a large number of real transactions, providing innovative solutions for forming a demonstration effect of bilateral cooperation, facilitating the alignment of operational rules and mechanisms between the two regions, and enhancing the level of market integration in the Guangdong-Hong Kong-Macao Greater Bay Area.

As the digital renminbi evolves from digital cash to digital deposit currency, Hong Kong users and participating institutions have also raised new business demands, hoping to provide more complete digital renminbi wallet services in Hong Kong. According to Christopher Hui, the People’s Bank of China and the Hong Kong Monetary Authority are exploring arrangements and feasibility for upgrading digital currency wallets, aiming to increase the usage limits of digital currency wallets, expand application scenarios, and enhance user experience.

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